Compare Amica vs. State Farm: Which Is Cheaper?
State Farm is cheaper than Amica for all types of drivers. Regardless of credit score, driving history, and age, motorists pay lower car insurance rates at State Farm on average. State Farm is also one of the cheapest insurers we reviewed, although average premiums were slightly cheaper at USAA and GEICO.
The Cheapest Car Insurance Companies in 2022
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Amica was not one of the cheapest insurance companies based on average monthly cost. In fact, Amica premiums were more expensive than the industry average for all types of drivers. In some cases, Amica charged drivers more than four times the average premium that State Farm charged. For example, DUI drivers pay particularly high rates at Amica.
Compare Amica vs. State Farm Car Insurance by Age
Because they are a higher risk to insure, young drivers tend to pay the highest rates for insurance coverage. Teen drivers are more likely to be involved in an accident than any other age group, so it’s understandable why insurance companies would charge them the most. Drivers in their 50s tend to pay the lowest rates. Here’s what you can expect at each company.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
For every age group, State Farm charges less than Amica, but the difference is particularly significant for teen drivers.
Compare Amica vs. State Farm Car Insurance by Gender
Car insurance companies in most states consider gender when setting car insurance rates. That’s particularly true for teen males since research shows their vehicle accident death rate is more than twice the death rate for females.
Women tend to pay slightly less than men over the course of their lives for car insurance. Here’s what Amica and State Farm charge men and women on average.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm offers cheaper rates to both men and women.
Which is cheapest for men?
State Farm offers cheaper insurance premiums to men than Amica. State Farm also beats the industry average premium for men.
Which is cheapest for women?
State Farm is cheaper than both Amica and the industry average premium for women.
Compare Amica vs. State Farm Car Insurance by Mileage
When calculating your car insurance rate, insurers consider your estimated mileage. This usually has very little impact on your rates, but low-mileage drivers tend to pay slightly less. Keep in mind that State Farm’s Drive Safe & Save program could save you more based on your actual mileage. Here’s what State Farm and Amica charged drivers based on their mileage.
Which is cheapest for drivers with high mileage?
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm is cheaper than Amica and beats the industry average for high-mileage drivers.
Which is cheapest for drivers with low mileage?
State Farm is cheaper for low-mileage drivers than both Amica and the industry average.
Compare Amica vs. State Farm Car Insurance by Credit Score
Most auto insurance providers use your credit-based insurance score when setting your rates due to a correlation between poor credit and high claims filing. Note that in some states, such as California, this practice is prohibited. But policyholders in most states can expect to pay more if they have bad credit. Here’s what each company charges on average based on credit tier.
Which is cheapest for good credit?
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm offers generous rates for drivers with excellent credit, beating Amica, the industry average, and each other company that we reviewed.
Which is cheapest for bad credit?
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm is cheaper than Amica for drivers with both poor and average credit scores. However, drivers with poor credit may find cheaper rates from another company, such as GEICO or Allstate.
Compare Amica vs. State Farm Car Insurance by Driving Record
Your driving history has a big impact on how car insurance companies perceive your risk. If you have a speeding ticket or DUI on your record, you may pay higher rates than average. Keep in mind that you may be able to offset some of the cost with one of State Farm’s telematics programs.
Every insurer is going to evaluate your driving history differently, but here’s how each type of infraction impacts average rates at Amica and State Farm.
Which is cheapest for good drivers?
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm is cheaper than both Amica and the industry average for drivers who don’t have any infractions on their driving records.
Which is cheapest after a speeding ticket?
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm is forgiving to drivers with speeding tickets, charging an average of only $59 per month. That beats Amica’s average monthly premium and the industry average.
Which is cheapest after an accident?
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
State Farm offers affordable rates to drivers who have caused crashes, beating both Amica and the industry average. In fact, of the companies we reviewed, only USAA offered cheaper rates.
Which is cheapest after a DUI?
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
A DUI is an offense that requires your insurer to maintain an SR-22 on file with the DMV in most states. This significantly raises the cost of car insurance. Amica charges high rates to DUI drivers, while State Farm is relatively forgiving compared to other insurers.